Flagler County property record for 97 Ryecliffe Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,863 sqft · built 2005 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Feb 2023) |
| Tax Bill | $4,035 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00120-0010 |
| Primary APN | 07-11-31-7029-00120-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,863 sqft Heated Area |
| Gross Area | 2,428 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Patio Area | 216 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97 RYECLIFFE DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6433 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 29 BL 12 LT 1 OR 278 PG 470 OR 451 PG 816 OR 553 PG 1539 OR 571 PG 1003 OR 1208 PG 598 OR 1325 PG 133 OR 1858/ |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 60214 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE GROUP LLC |
| Oct 26, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 2, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jan 2, 2020 | Warranty Deed, Transfer · VA Mortgage FIDELITY NATL TTL OF FL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2023 · Amount on Record |
| Deed Sale | Feb 27, 2023 · Amount on Record |
| Prior Sale | Jan 2, 2020 · Amount on Record |
| Deed Document Number | 2023007563 |
| Deed Book / Page | 2759 / 558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Feb 27, 2023 |
| Property Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0027590558 |
| Book / Page | 2759 / 558 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Feb 9, 2023 |
| Instrument | 2023007563 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Title Company | COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34 BROOKSIDE LN, PALM COAST, FL 32137-8721 |
| Name | Verified Name |
|---|---|
| Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0002759560 |
|---|---|
| Date | Feb 27, 2023 |
| Instrument | 2759/560 |
| Name | AMERICAN HOME MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0026210648 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 2621/648 |
| Instrument | 2021059156 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0025010674 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 2501/674 |
| Instrument | 2020050197 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 2, 2020 |
| Property Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0024091808 |
| Book / Page | 2409 / 1808 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 2020000112 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,477.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 125 N NOVA RD, 125, ORMOND BEACH, FL 32174-5138 |
| Name | Verified Name |
|---|---|
| Address | 97 RYECLIFFE DR, PALM COAST, FL 32164-6433 |
| Document Number | 0000000000 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 2409-1810 |
| Type | Mortgage Company |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,035.00 (+6.69%) Homeowner's exemption | $265,187 (+3.24%) | $266,177 (+0.16%) Land $55,000 Building $211,177 |
| 2023 | $3,782.00 (-1.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $256,856 (+3%) | $265,755 (+6.57%) Land $43,000 Building $222,755 |
| 2022 | $3,827.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $249,375 Land $44,500 Building $204,875 | $249,375 Land $44,500 Building $204,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 62 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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